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CreditRiskMonitor's Revenue Grows 37% for Third Quarter of 2009

VALLEY COTTAGE, NY -- (MARKET WIRE) -- 11/03/09 -- CreditRiskMonitor (OTCBB: CRMZ) reported that revenues increased 37% and 34% to $2.05 million and $5.72 million for the 3 and 9 months ended September 30, 2009, respectively. Cash, cash equivalents and marketable securities at the end of the nine-month period totaled $4.97 million, up $1.10 million from fiscal 2008 year-end.

Jerry Flum, CEO, said, "Our revenue continues to be counter-cyclical during these turbulent economic times. Our operating profit for the 3rd quarter was the highest in our history. In addition to the usual metrics for evaluating performance we also utilize cash return on net worth and tangible net worth, as shown in the table below. We are achieving these high rates of return without any long-term debt and with working capital at the highest level in our history."

                                               9 Months Ended September 30,
                                                    2009          2008
                                                ------------  ------------
Net increase in cash, cash equivalents &
 marketable securities                          $ 1,098,203   $    284,178
Net worth at beginning of period                $ 2,389,514   $  1,958,777
Return on net worth                                      46%            15%
Tangible net worth at beginning of period       $   435,054   $      4,317
Return on tangible net worth                            252%       --N/M--




                                   CREDITRISKMONITOR.COM, INC.
                                    STATEMENTS OF OPERATIONS
                   FOR THE 3 AND 9 MONTHS ENDED SEPTEMBER 30, 2009 AND 2008

                            3 Months Ended           9 Months Ended
                             September 30,             September 30,
                       ------------------------   ------------------------
                           2009        2008          2009         2008
                       -----------  -----------   -----------  -----------
Operating revenues     $ 2,052,310  $ 1,493,498   $ 5,717,872  $ 4,263,138

Operating expenses:
  Data and product
   costs                   519,005      456,891     1,584,503    1,335,862
  Selling, general
   and administrative
   expenses              1,101,815      909,565     3,641,310    2,723,308
  Depreciation and
   amortization             26,533       19,818        75,524       57,829
                       -----------  -----------   -----------  -----------

     Total operating
      expenses           1,647,353    1,386,274     5,301,337    4,116,999
                       -----------  -----------   -----------  -----------

Income from operations     404,957      107,224       416,535      146,139
Other income, net            2,564        6,741        12,907       30,432
                       -----------  -----------   -----------  -----------

Income before income
 taxes                     407,521      113,965       429,442      176,571
Provision for income
 taxes                       1,020          880         3,513        3,237
                       -----------  -----------   -----------  -----------

Net income             $   406,501  $   113,085   $   425,929  $   173,334
                       ===========  ===========   ===========  ===========

Net income per share:
  Basic and diluted    $      0.05  $      0.01   $      0.05  $      0.02
                       ===========  ===========   ===========  ===========




                       CREDITRISKMONITOR.COM, INC.
                             BALANCE SHEETS
                   SEPTEMBER 30, 2009 AND DECEMBER 31, 2008


                                                  Sept. 30,     Dec. 31,
                                                    2009          2008
                                                ------------  ------------
                                                 (Unaudited)

ASSETS
Current assets:
  Cash and cash equivalents                     $  4,969,790  $    912,591
  Marketable securities                                   --     2,958,996
  Accounts receivable, net of allowance              833,320     1,146,066
  Other current assets                               144,120       237,883
                                                ------------  ------------

     Total current assets                          5,947,230     5,255,536

Property and equipment, net                          261,038       213,142
Goodwill                                           1,954,460     1,954,460
Prepaid and other assets                              30,365        28,109
                                                ------------  ------------

     Total assets                               $  8,193,093  $  7,451,247
                                                ============  ============


LIABILITIES AND STOCKHOLDERS' EQUITY
Current liabilities:
  Deferred revenue                              $  4,787,475  $  4,394,803
  Accounts payable                                    46,940        52,758
  Accrued expenses                                   502,812       610,748
                                                ------------  ------------

     Total current liabilities                     5,337,227     5,058,309

Other liabilities                                         --         3,424
                                                ------------  ------------

     Total liabilities                             5,337,227     5,061,733
                                                ------------  ------------

Stockholders' equity:
  Preferred stock, $.01 par value; authorized
   5,000,000 shares; none issued                          --            --
  Common stock, $.01 par value; authorized
   25,000,000 shares; issued and outstanding
   7,849,462 shares                                   78,494        78,494
  Additional paid-in capital                      28,319,691    28,279,268
                                                ------------  ------------
  Accumulated deficit                            (25,542,319)  (25,968,248)
                                                ------------  ------------

     Total stockholders' equity                    2,855,866     2,389,514
                                                ------------  ------------

     Total liabilities and stockholders' equity $  8,193,093  $  7,451,247
                                                ============  ============

CreditRiskMonitor (http://www.crmz.com) is an Internet-based publisher of financial information, designed to save time for busy corporate credit professionals that competes with Dun & Bradstreet, Equifax and Experian.

Safe Harbor Statement: Certain statements in this press release, including statements prefaced by the words "anticipates", "estimates", "believes", "expects" or words of similar meaning, constitute "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Such forward-looking statements involve known and unknown risks, uncertainties and other factors which may cause the actual results, performance, expectations or achievements of the Company to be materially different from any future results, performance or achievements expressed or implied by such forward-looking statements, including, among others, those risks, uncertainties and factors referenced from time to time as "risk factors" or otherwise in the Company's Registration Statements or Securities and Exchange Commission Reports.